Dear Jami,
I applaud this initiative from the Smart Campaign. Unfortunately I have not managed to participate in the survey, but I have read your blog. The panoply of research possibilities you describe is exciting and I look forward to read more from you. I have three quick thoughts to share with you after reading your blog:
1. 331 MFIs is a significant sample, but I would be cautious in interpreting the percentages. I would think that the MFIs with very strict practices will tend not to reply and wait to see how the aggregate result looks like. The true percentages are likely to be stricter to the defaulting clients.
2. How MFIs apply penalty to defaulting clients and whether they differentiate between more or less "sympathetic" causes would be worth exploring.
3. In your sample, the majority of MFIs close the loan file after some years. I would be interested to know if they close the file
quietly without telling the client (which has been the practice at my MFI until recently) or if they inform the client transparently.
It is not so difficult to follow the client protection principles as long as the clients are regular and pay back on time, I think; the real test comes when clients default.
Mingyee
1. 331 MFIs is a significant sample, but I would be cautious in interpreting the percentages. I would think that the MFIs with very strict practices will tend not to reply and wait to see how the aggregate result looks like. The true percentages are likely to be stricter to the defaulting clients.
2. How MFIs apply penalty to defaulting clients and whether they differentiate between more or less "sympathetic" causes would be worth exploring.
3. In your sample, the majority of MFIs close the loan file after some years. I would be interested to know if they close the file
quietly without telling the client (which has been the practice at my MFI until recently) or if they inform the client transparently.
It is not so difficult to follow the client protection principles as long as the clients are regular and pay back on time, I think; the real test comes when clients default.
Mingyee
On Tuesday, October 1, 2013 3:42 AM, Jami Solli <jamisolli@gmail.com> wrote:
http://cfi-blog.org/2013/09/26/d-is-for-default/
Looking forward to your lively input and guidance on the ongoing research :)
Best,
Jami Solli
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